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Regulators in Washington state have discovered — and are trying to fix — a common Medicaid plan feature that could trip up low-income exchange users.

To reduce the risk that families with assets will think of Medicaid as a free long-term care insurance plan, federal regulations require states to put liens on the homes, cars and other assets of Medicaid users ages 55 and older, to help state recover any money spent on long-term care from the Medicaid users’ estates.

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